A median of $575,100 and a steady rental market means a number of Gilbert owners end up holding two or three properties. The way they are insured individually is rarely the way they should be insured together.
Separate policies on separate properties means separate limits, separate renewals and no shared liability.
Three things that change once you own more than one property.
Three properties on three policies have three liability limits that cannot help each other, three renewal dates, three deductibles and three sets of paperwork. A single claim that exhausts one limit gets nothing from the other two, however small their claims history.
Each property carries its own exposure and the underlying limits are usually at whatever default was set when each was bought. An umbrella written across the whole portfolio is almost always the cheapest way to lift all of them at once, and it is the structural answer rather than a product pitch.
Properties bought in different years renew in different months, so no single moment prompts a look at the whole position. That is how an owner ends up with three policies on three different bases without ever deciding to.
The view across all of them rather than one at a time.
The most useful half hour an owner of several rentals can spend.
Usually yes, and usually far cheaper than raising each underlying limit separately.
One review date instead of three is worth more than it sounds.
Tell us how many properties you own and when each policy renews.
We look at the portfolio together rather than quoting one property in isolation.
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